---
canonical_url: https://lendb.ai/lo/john-hand-2399625
json_url: https://lendb.ai/lo/john-hand-2399625.json
nmls_id: 2399625
last_verified: 2026-10-09
---

# Tim Hand

Loan Officer at First Home Mortgage, Dunkirk, MD. NMLS ID 2399625 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2399625)).

**Summary:** Tim Hand (NMLS 2399625) is Loan Officer at First Home Mortgage, based in Dunkirk, MD. Licensed in Florida, confirmed with the state regulator (license LO116173). Also lists District of Columbia, Maryland, North Carolina, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Licensed since 2022 (per Florida records). States 5 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 5 (source: https://firsthome.com/loan-officers/tim-hand/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), District of Columbia (DC, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://firsthome.com/loan-officers/tim-hand/

## About

Tim has over 5 years of mortgage industry experience and specializes in first-time homebuyers, move-up buyers, and refinancing. Born and raised in Southern Maryland, he's known for high communication, personalized service, and commitment to simplifying the mortgage process.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 5. Source: https://firsthome.com/loan-officers/tim-hand/, verified 2026-10-09.
- service_area: Southern Maryland. Source: https://firsthome.com/loan-officers/tim-hand/, verified 2026-10-09.
- education: Student athlete at St. Mary's College of Maryland. Source: https://firsthome.com/loan-officers/tim-hand/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO116173 | active | confirmed | 2022-12-27 | state_regulator | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: First Home Mortgage (NMLS 71603), Dunkirk, MD. Source: https://firsthome.com/loan-officers/tim-hand/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2399625

## Contact

- View profile at First Home Mortgage: https://firsthome.com/loan-officers/tim-hand/
- Office phone and Email on file: shown at https://lendb.ai/lo/john-hand-2399625#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2399625
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://firsthome.com/loan-officers/tim-hand/

Cite as: Tim Hand (NMLS 2399625), First Home Mortgage. LenDb.ai, https://lendb.ai/lo/john-hand-2399625, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._